I have been thinking about this, I can't believe they are allowed to harrass and cause stress to people, without being in possession of all the necessary paperwork. And I was wondering, the consumer credit act states they have to supply it to me within 12 days, so even if the original creditors do send it within 28 days......but mackenzie dont suppy it untill after the 12 days, can they still pursue?

Hi all .....Just a little update, After sending Mackenzie hall a request for a copy of my agreement and statement of account, i recieved a letter from them today saying........ We have contacted our clients for a copy of your agrrement and statement of account. Your account is currently on 'Hold'. Please be assured that no action will be taken against you. Should we not recieve the relevant proof from our client within 28 days, we will close your file and return the file to our client. Our client will then decide what step to take. As a gesture of goodwill, your payment has been returned. ( not that i can do anything with this payment as it was a postal order made out to mackenzie) Wonder what will happen next. This letter certainly takes on a completely different tone to their previous...in my opinion threatening letters.

Thanks Babybear, thats what I did today, if it's the thing where you enclose a £1 postal order, and I sent the letter recorded delivery too. It looks like if they don't comply with that within 12 days, then they can't pursure me anyway. I really, wish I had found this site when I first heard from them.

Hi N.P I put the £20 per month offer in writing after their first letter, which was just before christmas, I have had no response to that, just the most recent letter saying pay up by saturday or they will take things further. Seemed odd to me that they had dropped it by £100, and they seem to have odd ways of paying.

That's reassuring to know mr.ton, I know I really did panic when i got the first letter from them, it was so random, for a debt i didnt know existed, just seemed so out of the blue. Saying they had been trying to contact for for some time (which they hadn't) and saying pay up or debt collectors would turn up, or I could even go to court. Friendly people.

Hi there, thanks for your reply, Topday I sent them a pre-printed letter from the national debtline website asking for a copy of the credit agreement and statement of account. So at least i will know what/if any money is outstanding and when i did last make a payment. Althougth I think it was well over 6years ago, I think I might have excluded myself from the statute barred thing, as last time mackenzie wrote to me I said i would pay it at £20 per month, so they could say I have addmitted the debt, even thougth they didn't respond. I wish I had looked mackenzie up sooner, their letters to me seem quite threatening.

I really don't know, I can't find any paperwork at all, must be over 5 years, maybe about 8.

A month or so ago I received a letter from mackenzie hall stating I owed £335.27, listed on the letter was the pursuers(PHOENIX RECOVERIES) and original creditor as littlewoods. Now many years ago I did have an account with Littlewoods, and I thought the debt had been settled by the insurance, I can't find any of the original paperwork and as I had not heard from them for years, assumed this had been settled. After the letter from mackenzie, i replied stating there was no way I can currently afford tp pay in full and offered £20 per month. I heard nothiong back untill today when i received a 'reduced settlement offer' the debt was now £234.69, but payment is nneded by 1st march , or they will take the matter further. I would really appreciate any advice. Thank-you.